48 free tools
Financial calculators
Money decisions deserve real numbers, not guesses. These calculators cover the math most Americans hit every year: mortgage and loan payments, amortization, compound growth, take-home pay, sales tax, tips, discounts, and business margins. Each one shows the formula it uses, so you can check the result instead of trusting a black box.
All finance tools
401(k) Calculator
401(k) calculator that projects your retirement balance with employer match, raises, and 2026 IRS limits, including catch-up. Free and private.
Amortization Calculator
Amortization calculator with a yearly schedule, total interest, payoff date, and extra payments. See how much interest $100 more a month saves.
APR Calculator
Free APR calculator. Enter the loan amount, interest rate, term, and fees to find the real APR, monthly payment, and total finance charge in seconds.
Break Even Calculator
Break-even calculator that finds how many units you must sell to cover fixed costs, plus break-even revenue, contribution margin, and profit targets.
BRRRR Calculator
Free BRRRR calculator, no email needed. See all-in cost, cash-out refi loan, cash left in the deal, cash flow, cash-on-cash return, and max offer price.
Cap Rate Calculator
Free cap rate calculator for rental property. Build NOI line by line with vacancy, taxes, and CapEx, then get the max offer price for your target cap rate.
Capital Gains Tax Calculator
2026 capital gains tax calculator. See federal tax on a stock, crypto, or property sale at 0%, 15%, or 20%, plus NIIT, short-term rates, and state tax.
Car Lease Calculator
Car lease calculator with money factor to APR conversion, state lease tax methods, due at signing, and the true effective monthly cost of your lease deal.
Car Loan Calculator
Car loan calculator with sales tax, trade-in, down payment, and APR. See your monthly auto payment, amount financed, and total interest by term.
Cash on Cash Return Calculator
Calculate cash-on-cash return on a financed rental: down payment, closing, and rehab as cash in, P&I as debt service. Also shows cap rate and DSCR.
CD Calculator
Free CD calculator. Enter your deposit, APY, and term to see interest earned, maturity value, after-tax interest, and the early withdrawal penalty cost.
Compound Interest Calculator
Compound interest calculator with monthly contributions. See future value, total deposits, and interest earned for savings, index funds, or a CD.
Credit Card Payoff Calculator
Credit card payoff calculator that shows how many months to pay off your balance, total interest, and the payment needed to be debt-free in 1-5 years.
Currency Format Converter
Currency format converter: see any amount written the way the US, Europe, UK, Japan, India, and 8 more locales write money. Copy with one click.
Debt Snowball Calculator
Free debt snowball calculator with an avalanche toggle. See your payoff order, debt-free date, and interest saved month by month. No signup needed.
Debt-to-Income Ratio Calculator
Debt-to-income ratio calculator: get your front-end and back-end DTI in seconds, see how lenders grade it, and how much payment room you have left.
Discount Calculator
Discount calculator: find the sale price and savings for any % off, stack an extra coupon correctly, and add sales tax to see what you will really pay.
DSCR Calculator
Neutral DSCR calculator for rental loans. Get your ratio by rent / PITIA or NOI / debt service, plus the max loan and rent needed at 1.0, 1.2 or 1.25 DSCR.
Emergency Fund Calculator
Emergency fund calculator based on essential expenses. Get your 3-, 6-, 9-, or 12-month target, the gap left to save, and the month you will reach it.
Extra Mortgage Payment Calculator
See how extra monthly, yearly, lump-sum, or biweekly mortgage payments cut your interest and payoff date, with a year-by-year balance comparison.
Fuel Cost Calculator
Fuel cost calculator: enter miles, MPG, and gas price to get trip cost, gallons needed, cost per mile, and each person's share. Round trips too.
HELOC Calculator
HELOC calculator for your max credit line, interest-only draw payment, and the higher payment when repayment starts. See total interest in seconds.
Home Affordability Calculator
How much house can I afford? Get a max home price from your income, debts, down payment, and rate, including taxes, insurance, HOA, and PMI.
Hourly Salary Calculator
Hourly to salary calculator: convert an hourly wage to annual, monthly, biweekly, and weekly pay, or turn a salary back into an hourly rate.
Inflation Calculator
Inflation calculator that shows what today's prices will cost in the future and how much buying power your cash loses each year.
Invoice Total Calculator
Invoice total calculator with line items, discount, sales tax, shipping, and deposits. Get the balance due and copy a clean summary.
Loan Payment Calculator
Loan payment calculator for personal and auto loans. Get your monthly payment, total interest, payoff date, and how much extra payments save.
Markup Calculator
Markup calculator that finds selling price, profit, and margin from cost. Work from markup %, target margin %, or price, and see both side by side.
Mortgage Calculator
Mortgage calculator with property tax, insurance, PMI, and HOA. See your full monthly PITI payment, total interest, and payoff date in seconds.
Mortgage Points Calculator
Compare 0, 1, and 2 mortgage points side by side: cost, monthly savings, simple and true break-even, and total borrowing cost at 5, 7, 10, and 30 years.
Net Worth Calculator
Add up assets and debts to get your net worth, compare it with the Federal Reserve median for your age, and keep your list saved in your browser.
Paycheck Calculator
Paycheck calculator for 2026: estimate net pay per check from gross pay, pay frequency, taxes, and deductions, with a federal + FICA rate estimate.
Personal Loan Calculator
Personal loan calculator with origination fee. See your monthly payment, total interest, cash you actually receive, and the true APR for every term.
Profit Margin Calculator
Profit margin calculator: get gross profit, margin, and markup from cost and price, or find the selling price you need to hit a target margin.
Refinance Calculator
Mortgage refinance calculator. Compare your current and new loan to see monthly savings, break-even months, lifetime savings, and a clear verdict.
Rent Split Calculator
Rent split calculator for roommates: divide rent fairly by bedroom square footage, income, or evenly, with shared utilities split equally.
Rent vs Buy Calculator
Rent vs buy calculator that compares net worth year by year, with the down payment invested, appreciation and selling costs. Find your break-even year.
Retirement Savings Calculator
Retirement savings calculator: project your nest egg at retirement, see it in today's dollars, and estimate yearly income with the 4% rule.
ROI Calculator
ROI calculator: enter what you invested and what you got back to see net profit, ROI percentage, annualized return (CAGR), and your money multiple.
Roth IRA Calculator
Roth IRA calculator with 2026 limits: $7,500, plus $1,100 catch-up at 50. Checks the income phase-out and projects your tax-free balance at retirement.
Sales Tax Calculator
Sales tax calculator that works both ways: add tax to a price, or pull the pre-tax price and tax out of a total. Works with any US state or local rate.
Savings Calculator
Savings calculator: see how your balance grows with monthly deposits and APY, how much is interest, and how long until you hit your savings goal.
Self-Employment Tax Calculator
2026 self-employment tax calculator: 15.3% on 92.35% of profit, the $184,500 Social Security cap, W-2 wages, Additional Medicare, and your deductible half.
Simple Interest Calculator
Simple interest calculator: find interest and total from principal, rate, and time in years, months, or days, and compare it with monthly compounding.
Student Loan Calculator
Student loan calculator comparing 10-year Standard, 25-year Extended, and new Tiered Standard plans. See your monthly payment, total interest, and payoff.
Tip Calculator
Tip calculator with 15, 18, 20, 22, and 25% presets. Split any bill between friends and see the tip, total, and each person's share instantly.
Unit Price Calculator
Unit price calculator: compare two products by price per ounce, count, or any unit. See which is cheaper and by what percent. Free, instant.
VAT Calculator
VAT calculator: add VAT to a net price or remove it from a gross price. Presets for UK 20%, EU, Canada GST, and Australia GST. Instant, free.
About these tools
A half-point difference in APR on a $320,000 mortgage is about $100 a month and roughly $37,000 over 30 years. Stretching a car loan from 60 to 72 months lowers the payment but adds over $1,000 in interest. The fastest way to see trade-offs like these is to run the same inputs through two scenarios side by side.
Everything is calculated locally in your browser. Nothing you type, including salary, balances, or rates, is uploaded or stored. Results are estimates for planning, not quotes or financial advice, so confirm final numbers with your lender, employer, or a tax professional.